For construction loans, flood ins is required to be in place no later than the start of construction....and there is a 30 day waiting process required for NFIP policies obtained for properties under construction to become effective...so how do others handle ensuring that the borrower has obtained flood insurance when construction starts, given the inherent difficulty in monitoring when construction ACTUALLY starts as opposed to starting when the lender is told it will start? We will force place once we find out construction has started and no ins is in place, which will still result in a potential violation of law if construction has started with no flood ins in place----is this others' experience as well?